Steps to increase your car insurance claim

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By Anshul IST (Released)

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With several parts of the tech city still heavily waterlogged after recent extreme rains and flooding, the cars’ engines and electrical systems are all under stress. Here are the steps to increase your insurance claim for the same:

The incessant rains and resulting waterlogging in many parts of Bengaluru have caused a number of cars to break down. If you are one of those who own one of these cars, you must be worried because prepair costs after a flood can be high. However, if you have comprehensive auto insurance in place, you can contact your insurer to pay the repair bill.

Comprehensive car insurance covers loss or damage caused by natural disasters, such as floods, cyclones and hailstorms.

Basically, there are two types of flood damage to a car: engine damage and accessory damage. Typically, insurance companies cover both engine and upholstery damage, which could otherwise be very heavy. But if the engine and/or its parts sustain damage due to water ingress and oil leaks, a standard comprehensive policy does not cover this. This is where an add-ons would be needed.

Here are the steps to file a claim for flood damaged cars:

Step 1:

Inform the insurer by calling him on his toll-free or landline number. The number can be accessed on the insurer’s website/app. It may also be available in the email containing the policy PDF sent to the customer. Additionally, you can email the insurance partner to notify a claim.

2nd step: Share the details accurately such as information about where the car was parked and all. A complaint registration number will be assigned to you.

Step 3: The auto insurance company will schedule a pick-up time, tow your car to the garage, and appoint an adjuster.

Step 4: Collect substantial photo and video evidence that can be shared with the inspector during the vehicle inspection. After examination of the extent of the damage, the amount of the claim will be communicated to you.

Step 5: Once the repairs have been carried out, and the payment settled (according to reimbursement or payment made directly by the insurer to the partner garage), the customer’s car is ready to hit the road again.

Meanwhile, insurance companies have informed customers of the do’s and don’ts to avoid further damage to the motor vehicle. According to insurers, avoid driving in a waterlogged area where the height of the water is above the center of the tire.

Do not turn the ignition on or try to start the car by jump starting —

even though the water has receded. Tow the vehicle to the nearest garage after disconnecting the battery. At the garage, ask the mechanic to do a thorough check of the car’s brakes (these are also more likely to be damaged), experts said.

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